ABOUT US:

Cynergy Bank is the UK’s human digital bank serving the needs of ‘scale up’ or medium sized and fast-growing SMEs; professionals; high net worth and mass affluent individuals, in essence those market segments that still value human service enabled by great technology.
We recognise that professional and personal lives often overlap and our mission is to help empower our customers to achieve their ambitions by serving all their interdependent banking needs. We provide a comprehensive range of digitally enabled products and services to meet the property finance, business and commercial banking, private banking and personal savings needs of our customers.
Our human and digital model transforms banking for customers who still value a face-to-face relationship that is enabled by the latest digital technology.
We partner with firms such as Google Cloud, Cigniti and Slalom as we continue to innovate in the human digital space.

REQUIRED SKILLS / EXPERIENCE:

• Minimum 5 years’ experience in mid-market lending, with a strong emphasis on structured property finance, bridging, and stabilisation facilities.
• Proven ability to originate and execute complex transactions, including stabilisation loans at practical completion, where properties transition from development to income-generating assets.
• Exposure to a broad range of asset classes, including residential development, PBSA, commercial real estate, trading businesses and mixed-use schemes.
• A well-established network of introducers, brokers, and Key Business Influencers (KBIs) operating in the £10 million+ lending space.
• Strong credit analysis and structuring skills, with the ability to assess cash flow risks, understand lease-up dynamics, and evaluate mitigating factors to ensure covenant compliance during stabilisation periods.

THE ROLE:

This is a compelling opportunity to join a high-growth, specialist lender with ambitious balance sheet expansion plans and a differentiated product offering in the structured and bridging finance space.

You will:

• Play a key role in driving origination and expanding our footprint in the £10m–£50m lending segment.
• Leverage your technical expertise to structure tailored lending solutions, particularly around stabilisation and transitional assets.
• Operate within a collaborative and agile team environment, supported by robust credit, legal, and operational infrastructure.
• Contribute to the evolution of our lending strategy, product development, and market positioning.

MAIN RESPONSIBILITIES:

• Understand the bank’s products and services, proactively identify and action sales opportunities in order to meet business objectives.
• Meet growth, performance and income targets through the proactive development of new business from professional networks.
• Independently assess, critically evaluate, prepare and submit applications for loan facilities, ensuring appropriate commentary and analysis to aid decision making to the high standards expected.
• Proactively manage all transactions from credit assessment through to completion alongside Transaction Execution Manager.
• Ensure an effective post-drawdown handover is provided to colleagues who will assume direct responsibility for the connection.
• Maintain delivery of a high quality service to customers as required.
• Build and maintain effective relationships with key business partners to maximise potential growth of business.
• Build knowledge and understanding of relevant markets and customers in order to anticipate and meet their needs.
• Monitor market developments and competitor activity. Recommend and implement appropriate action to ensure the Bank competes effectively.
• Proactively support monitoring of the credit portfolio and take action as necessary to minimise risk and ensure quality account management.
• Review credit applications in accordance with policy and take action as necessary to minimise risks and ensure quality account management of the credit portfolio.
• Ensure that all clients are fully compliant with the Bank’s AML policies and procedures.
• Ensure that KYC procedures including the requirements for periodic reviews in accordance with the AML framework on all customer connections are maintained and recorded.
• Manage relevant Management Information and ensure appropriate action is reported.
• Provide input to Bank policy including lending guidelines, product development and overall risk management.
• Support the design and implementation of the banking strategy, including achievement of growth, income targets and adherence to the Bank’s standards in respect of operational and regulatory risk.
  Cynergy Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Eligible deposits with Cynergy Bank plc are protected by the UK Financial Services Compensation Scheme.
  For more information on Cynergy Bank visit www.cynergybank.co.uk